Insures the basic building(s) (walls, roof, floors, elevators, common areas outside of units) and including built-in heating, plumbing, or electrical fixtures, cabinets, and interior walls and ceilings however it leaves the individual unit owners responsible for insuring wall coverings (such as paint, wall paper, or paneling), flooring (such as carpet, vinyl goods, or hardwood), appliances, and improvements or alterations inside a unit which were not part of the original condominium plans or specifications.

Insures the basic building(s) (walls, roof, floors, elevators, common areas outside of units) however it leaves the individual unit owners responsible for insuring built-in heating, plumbing, or electrical fixtures, cabinets, interior walls and ceilings, wall coverings (such as paint, wall paper, or paneling), flooring (such as carpet, vinyl goods, or hardwood), appliances, and improvements or alterations inside a unit which were not part of the original condominium plans or specifications.